I am investing in HDFC Small Cap Mutual Fund since Sep 2019 and till date accumulated 35% gain on investment from SIP of 2500/month. When I bought this scheme it was 5 star rated but now it's degraded to 2 star. As per current scheme, if i continue more than 3 year the profits get lowered to 12-15% range. Consider the current gain, i would like to know the view: should i continue SIP or withdraw the total sum and invest the received money in some other higher rated and profit making small cap fund like Quant, BOI etc., with same amount of SIP.
Kindly guide and also advise which fund to switch if switch is recommended. My view is long term return for kid’s higher education, who is 4 year old.